The Florida Insurance Glossary, designed to help Florida residents better understand the terms used.
Hard market: A condition in the insurance marketplace where available insurance is in short supply and expensive.
Hazard: A condition or environment that increases the chance of an insurance payout.
Hired Auto: Optional coverage on a business auto policy that extends coverage to motor vehicles that are rented,
borrowed or leased by the business.
Heist: To perpetrate a robbery, steel, a named covered peril in insurance policies.
H.M.O: acronym for health maintenance organization which is a corporation financed by insurance premiums to
provide healthcare to their participants.
Hold Harmless: a legal term which describes a condition or provision whereby an individual or corporation accepts
all future responsibilities after a claim has been settled.
Hurricane: A severe tropical weather system and a named covered peril in insurance policies.
Hybrid Vehicle: A vehicle that uses two or more distinct power sources to attain increased fuel efficiency.

Florida Insurance Glossary Terms "H" Florida Auto Plus Insurance Agency - "Lower your Florida car insurance cost for life"
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